KR102458285B1 - Method system for processing financial businessusing virtual account on -off line - Google Patents

Abstract

The present invention relates to a payment and settlement method by a PG system that enables immediate cash settlement when using virtual currency on/offline. In particular, members who have virtual assets (cash) after a virtual asset exchange subscribed to a virtual asset exchange It is a payment settlement method by a payment settlement system to support payment of the purchased product as a household asset when a card is issued to a user and the user to whom the card is issued purchases a product at an online or offline store.

Description

Payment method by PG system that allows immediate cash settlement when using virtual currency on/offline {METHOD SYSTEM FOR PROCESSING FINANCIAL BUSINESSUSING VIRTUAL ACCOUNT ON -OFF LINE}

The present invention relates to a payment settlement method by a PG system that enables immediate cash settlement when using virtual currency online or offline. In particular, the virtual asset exchange issues cards to members who subscribe to the virtual asset exchange and hold virtual assets (cash) It is a payment settlement method by a payment settlement system to support a user to whom a card is issued to purchase a product at an online or offline store, and to pay for the purchased product as a disguise asset.

As the evolution of conventional IT technology and business models and the spread of smart payment trends, unofficial virtual currency has appeared. One of the reasons is that it is intended to replace the legal currency issued by the central bank, and that it is used for illegal activities such as bankruptcy of exchanges, tax evasion, money laundering, and drug trafficking.

Bitcoin is based on a network that individually connects users' computers around the world, and there is no issuer and anonymity is guaranteed. The fact that direct transactions are possible as long as the system is connected to the Internet without currency exchange or credit card, which is a useful means of exchange and payment in terms of convenience and cost reduction.

In the future, it is expected that the utility of virtual currency will increase and the number of users will increase through convergence that absorbs the advantages of different types such as improved exchangeability with fiat currency and expansion of online and offline usage. In light of the situation in which virtual currency is held as an asset rather than as a general currency or payment method that has the function of measuring value and guaranteeing value, research and research to support the role of virtual currency as currency or equivalent funds or means of payment is currently incomplete.

However, in the conventional virtual currency transaction, a payment method using a virtual account or using a PG company has not been developed, and there is a problem in that the payment method of the virtual currency using the virtual currency does not make instant cash or card payment.

The present invention has been devised to solve this problem, in which the virtual asset exchange subscribes to the virtual asset exchange and issues a card to members who have virtual assets (cash), and the user to whom the card is issued an online or offline store The purpose of this is to provide a payment method to support the payment of goods purchased through virtual accounts or PG companies as household assets when purchasing products from PG.

The present invention, first of all, the user (④) joins the virtual asset exchange (①) membership registration step (1); After the membership registration step (1), the virtual asset exchange (①) issues a card to the user (④) a card issuance step (2); After the card issuance step (2), the product purchase step (3) of purchasing the product in the online and offline shopping mall (③); After the product purchase step (3), the product purchase payment request step (4) for requesting payment to the PG company (②); After the item purchase payment request step (4), the PG company (②) inquires the virtual asset exchange (①) whether the user's card is available for payment, and if possible, the payment availability inquiry and payment request step (5); After the payment availability inquiry and payment request step (5), the virtual asset exchange (①) goes through the virtual asset sale and sale step (6) to sell the virtual asset, and the virtual asset is sold and cash is paid. The asset sale completion step (7) proceeds, and after the virtual asset sale completion step (7), the PG company (②) pays the product purchase price to the shopping mall (③) (8); After the product purchase payment step (8), if there is a delivery request step (9) from the user (④), the product delivery step (10) of requesting delivery to the delivery company (⑤) is characterized in that It is a payment settlement method by the PG system that allows instant cash settlement when using virtual currency online or offline.

In the present invention, the PG company matches the virtual asset exchange with a user who owns and wants to use the virtual asset by returning the user's virtual asset to cash in real time so that the settlement is made. It is a payment settlement method by the PG system that allows immediate cash settlement when using money online or offline.

In the present invention, the virtual asset exchange (①) uses a representative account opened in an affiliated bank as a mother account, and is an identification number that connects financial transactions between the mother account and a customer real account opened in the affiliated bank. Payment by PG system that enables instant cash settlement when using virtual currency online or offline, characterized in that by requesting to open a virtual account of the affiliated bank on the computer of the affiliated bank, receiving the virtual account from the computer of the affiliated bank, registering and managing it way.

As described above, in the present invention, when a virtual asset exchange subscribes to a virtual asset exchange and issues a card to members holding virtual assets (cash), and the user to whom the card is issued purchases a product at an online or offline store, This has the effect of supporting the payment of goods purchased through a virtual account or through a PG company as a household asset.

1 is a PG (payment settlement) system that enables immediate cash settlement when using the virtual currency of the present invention online and offline.
2 is a flowchart of a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention;
3 is a flowchart of a payment processing method that enables immediate card payment when using a virtual account for virtual currency payment of the present invention
4 is a table showing a price determination method in a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention
5 is a conventional card registration method applied to the present invention.

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce it through preferred embodiments of the present invention described with reference to the accompanying drawings.

The term 'virtual asset' is repeatedly expressed as 'virtual currency' for convenience, but it is the same term.

1 is a PG (payment settlement) system that enables immediate cash settlement when using the virtual currency of the present invention on/offline.

In the present invention, a virtual account can be opened at most commercial banks for a corporate company that frequently receives deposit transactions from a large number of customers or customers.

Currently, 1) Virtual accounts can be opened in banks: Kookmin Bank, Woori Bank, Hana Bank, Shinhan Bank, Nonghyup, Busan Bank, Daegu Bank, Kyongnam Bank, Kwangju Bank, Jeonbuk Bank, Jeju Bank, etc. Representative ID, business registration certificate, corporate seal certificate, and corporate seal are required. 3) There is no separate issuance fee for virtual account issuance.

First of all, the issuance of a virtual account is: 1) A corporation opens a new account through a commercial bank. At this time, if you request to open a virtual account, the requested account becomes the parent account, which is set as the parent account of the virtual account, and 2) the number of accounts is requested after the virtual account is applied.

In addition, the number of accounts should be requested with sufficient amount according to the size of the number of members of the corporation, and the bank sets up the parent account and provides the requested account as an Excel file.

In addition, the form of the account is structured like the serial number of a credit card, and management is easily provided through sequential numbers.

In the use of the virtual account, the setting of the relationship between the virtual account and the member will be described.

The provided 00 bank virtual account (eg 1234-5678-1234-0001) is set 1:1 with the member (Gil-dong Hong), and the setting method can be set based on unique personal information such as e-mail, phone number, and ID. . And, after setting, the member (Hong Gil-dong) is given a virtual account that is subordinated to the mother account of 00 Bank.

In addition, a corporation can issue a (named or unnamed) card to a member (Hong Gil-dong) who is set 1:1 through a virtual account.

In addition, a registered card is a method of producing a card in parallel with personal information when issuing a card to a corporation, and an unnamed card is a method of producing a card without personal information when issuing a card to a corporation. It is convenient because it is possible to produce an unnamed card at once.

In addition, the member (Hong Gil-dong) can make deposits and withdrawals at any time using the virtual account given to them, and deposits and withdrawals can be freely used at other banks. The deposit and withdrawal of the member (Gil-Dong Hong) is from the parent account of the corporate company, and therefore, the corporation must separately manage the deposit and withdrawal information of the member (Gil-Dong Hong).

Here, the total amount of deposits and withdrawals for all members is the same as the total of the parent account.

Next, the production of the card will be described.

The scope of use (credit) of the card is directly produced by the corporation, and acts like a cash (cash) card. Therefore, the role of credit cards is not included.

In addition, when making a card, it is possible to record the virtual account requested and granted when opening a virtual account on the front side of the card, and to mark it with personal identification information (ID, e-mail or phone number).

In the present invention, when a virtual asset exchange (or virtual currency exchange) subscribes to a virtual asset exchange and issues a card to members holding virtual assets (cash), and the user to whom the card is issued purchases a product at an online or offline store, It is a payment system to support the payment of purchased items as household assets.

It is an invention of a payment method through an intermediate role device (or middleware of a role) that immediately returns virtual assets to cash and supports payment processing in real time. At this time, it can be divided into virtual asset exchange, intermediary role (PG company or payment system), and user.

The term Virtual Asset Exchange is a business company that manages transactions for virtual assets.

The term mediating role (PG company or payment system) refers to matching between the virtual asset exchange and the user who owns and wants to use the virtual asset, by returning the user's virtual asset to cash in real time and making the settlement. The state is divided into PG companies (Payment and Settlement System). PG company (payment settlement system), which plays an intermediary role (PG company or payment system), supports payment with virtual assets (or cash) immediately in response to various payment methods of users. PG Company (Payment Settlement System) earns a certain fee through the above support.

The term user possesses cash from the exchange, including real credit (cash) cards or various types of logical cards issued by the virtual asset exchange, and using this, the total amount of virtual assets (cash) owned online and offline You will purchase items within the scope.

The term “cancellation of purchase” means a refund in cash when the user cancels the purchase due to various reasons.

As shown in Fig. 1, first, the user (④) goes through the membership registration step (1) to join the virtual asset exchange (①).

After the membership registration step (1), the virtual asset exchange (①) goes through a card issuance step (2) of issuing a card to the user (④).

After the card issuance step (2), a product purchase step (3) of purchasing a product in the online/offline shopping mall (③) is performed.

After the product purchase step (3), a payment request step (4) for requesting payment to the PG company (②) is performed.

After the item purchase payment request step (4), the PG company (②) inquires the virtual asset exchange (①) whether the user's card is available for payment, and if possible, the payment availability inquiry and payment Proceed to request step (5).

After the payment availability inquiry and payment request step (5), the virtual asset exchange (①) goes through the virtual asset sale and sale step (6) to sell the virtual asset, and the virtual asset is sold and cash is paid. The asset sale completion step (7) proceeds, and after the virtual asset sale completion step (7), the PG company (②) performs the product purchase price payment step (8) of paying the purchase price to the shopping mall (③).

After the product purchase price payment step (8), when there is a delivery request step (9) from the user (④), the product delivery step (10) of requesting delivery to the delivery company (⑤) is performed.

As a related drawing, FIG. 6 shows a method of determining a price when trading a virtual asset.

This will be described in detail after referring to FIGS. 2 and 3 .

The following describes a payment processing method that enables immediate cash settlement when using a virtual account for virtual currency settlement.

2 is a flowchart of a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention, and FIG. 4 is a related drawing. It is a table showing the pricing method in the possible payment processing methods.

The present invention is an invention of a payment method that enables the payment processing in real time by immediately returning the virtual currency to cash when a user who owns a virtual currency purchases a product in an online mall and pays for it.

The terms are defined as follows.

A mother account is a virtual transaction account established on an exchange with the main bank.

A sub-account is a virtual account issued to a member from the parent account of the exchange.

The following describes how to use a virtual account on an exchange.

When a member registers as a member on the exchange and creates an account, the account created at this time becomes a child account derived from the parent account of the exchange. When a member deposits cash into his/her own account, it is actually deposited into the parent account of the exchange, and the amount of cash is displayed and managed in the customer's virtual account, the child account.

The following describes an online payment method using an exchange.

Online shopping malls are directly or indirectly linked organically with exchanges, so they communicate in real-time so that they can check the information of virtual currency owned by individual members. Therefore, members can see at a glance the cash or various types of virtual currency owned by members, select the type of coin they want to use when online payment is required, and sell the selected coin in real time to return to cash and make a payment. It is an invention. At this time, it is also possible to select a common method in the market and follow the payment method of the PG company.

As shown in FIG. 2 , in the first step of the cash settlement system operation process 1000, the exchange member deposits as much cash as he/she wants to trade on the exchange into the mother account.

In step ②, the exchange issues a sub-account to the member and numerically displays the amount of cash deposited by the customer in the sub-account.

In steps ③-1 and 2, it is possible to purchase virtual currency as much as the amount of the sub-account, and the exchange issues a check card linked to the sub-account to the member who purchased the virtual currency.

In steps ④-1 and 2, when payment is made at the online mall, virtual currency and cash transactions are made at the exchange for the maximum purchase price of the virtual currency formed at the time of payment.

In step ⑤, the payment amount is deducted from the parent account linked to the bank.

In addition, if there is a connection with the PG company before being paid at the bank in step ⑤, in step ⑥, the virtual assets held by the member (based on the maximum purchase price formed at the time of payment) as much as the product price are converted into cash and paid (or the PG company ), the virtual currency held by the member is deducted.

After step ⑥, in steps ⑦ and ⑧, the payment amount is deducted from the parent account connected to the bank, and settlement is made at the offline store.

The following describes an example of settlement based on virtual currency and cash holdings in sub-accounts.

1) When there is only virtual currency and no cash in the child account, virtual currency is traded in cash equal to the maximum purchase price of virtual currency at the time of payment, and the balance of the child account changes by this amount.

2) When there is virtual currency and cash in the child account, the virtual currency is first traded on the exchange and settlement is made.

3) When there is no virtual currency and there is only cash in the child account: The transaction between virtual currency and cash does not proceed and the payment is made immediately, resulting in a change in the balance of the child account as much as the payment amount.

4) When there is no virtual currency and there is no cash in the sub-account, the payment cannot be made (insufficient balance).

The following describes a payment processing method that enables immediate card payment when using a virtual account for virtual currency payment.

3 is a flowchart of a payment processing method that enables immediate card payment when using a virtual account for virtual currency payment of the present invention, and FIG. 4 is a related drawing. It is a table showing the pricing method in the possible payment processing methods.

The present invention is an invention of a payment method in which a user who owns a virtual currency purchases a product in an online mall and makes a payment by immediately converting the virtual currency into a card so that payment processing is possible in real time.

The terms are defined as follows.

A mother account is a virtual transaction account established on an exchange with the main bank.

A sub-account is a virtual account issued to a member from the parent account of the exchange.

The following describes how to use a virtual account on an exchange.

When a member registers as a member on the exchange and creates an account, the account created at this time becomes a child account derived from the parent account of the exchange. When a member deposits cash into his/her own account, it is actually deposited into the parent account of the exchange, and the amount of cash is displayed and managed in the customer's virtual account, the child account.

The following is the card issuance and payment (main content of the present invention) method at the exchange.

The member is issued a check card linked to the virtual account. When making a payment with this card, the virtual assets held by the member or cash in the account are deducted by the amount of the payment.

When a virtual asset is transacted in cash, the virtual asset is converted into cash based on the maximum purchase price of the virtual asset formed on the exchange at the time of payment by the user. That is, virtual assets and cash are traded in real time on the exchange at the moment of payment.

As shown in FIG. 3 , in the card payment system operation process 2000, in the first step, the exchange member deposits the amount of cash that the exchange member wants to transact on the exchange into the mother account.

In step ②, the exchange issues a sub-account to the member and numerically displays the amount of cash deposited by the customer in the sub-account.

In steps ③-1 and 2, virtual assets can be purchased up to the amount of the sub-account, and the exchange issues a check card linked to the sub-account to the member who purchased the virtual asset.

In steps ④-1 and 2, when payment is made, virtual assets and cash transactions are made on the exchange by the maximum purchase price of the virtual assets formed at the time of payment.

In steps ⑤ and ⑥, the virtual assets held by the member (based on the maximum purchase price formed at the time of payment) as much as the product price are converted into cash, and when the payment is completed, the virtual assets held by the member start from the child account (step ⑤) and start from the parent account (Step ⑥) is deducted.

After step ⑥, in step ⑦ ⑧, the payment amount is deducted from the parent account connected to the bank, and settlement is made at the offline store.

The following describes an example of settlement based on virtual currency and cash holdings in sub-accounts.

1) When there is only virtual assets and there is no cash in the child account, the virtual asset is traded in cash equal to the maximum purchase price of the virtual asset at the time of payment, and the balance of the child account changes by this amount.

2) When there are virtual assets and cash in the child account, the virtual assets are first traded on the exchange and settlement is made. .

3) When there is no virtual asset and there is only cash in the child account, the transaction between the virtual asset and cash does not proceed and the payment is made immediately, resulting in a change in the balance equal to the payment amount in the child account (same as with a general check card).

4) When there is no virtual asset and there is no cash in the sub-account, payment cannot be made (insufficient balance).

The following describes a method in which a price is determined during a virtual currency transaction in FIG. 4 .

The transaction price of virtual currency is determined based on the selling price and the buying price at the time of payment. When purchasing a virtual currency with cash at the time of payment, a high-priced purchase proceeds, and a low-priced sale proceeds when selling a virtual currency.

4 shows the asking price, the asking price, and the asking price as follows.

Assume that the current trading status of the exchange is as above.

For example, if a member who owns 1000 virtual currencies pays 200,000 won, the first selling price of the virtual currency is 1,900 won, which is the closest to the asking price. Since the number of virtual currencies designated to be purchased at 1,900 won is 100, a virtual currency transaction worth 190,000 won is made first. In this case, the virtual currency is traded at the next purchase price of 1,800 won, and about 5.6 virtual currencies are returned to 10,000 won in cash.

As a result, in the above transaction situation, when a member with 1000 virtual currencies pays 200,000 won, about 105.6 virtual currencies are traded, and the amount of virtual currency is deducted as much as the transaction, so the member has 894.4 virtual currencies after payment.

The following describes a virtual asset payment system using a credit card.

The system is built to enable payment by credit card as well as check card. Credit card payment is the same as the check card payment process. However, the difference is that the balance is not changed as much as the amount paid directly from the parent account, but the payment is made with the credit card connected to the parent account.

Next, the card registration method of the present invention will be described.

5 is a conventional card registration method applied to the present invention.

Then, a payment card registration screen display step of displaying a screen for registering a payment card (S1311);

Next, a card registration step of scanning and registering a payment card (S1312); otherwise, a card registration step of registering by directly inputting the contents of the payment card (S1313);

As input in the card registration step (S1313), the card number (16 digits) (S1314a) and expiration date (MM/YY) (S1314b), and CVC (3 digits on the back side) (S1314c), the card password (the first 2 digits) A card information input step (S1314) of inputting (S1314d); is performed.

When the card is registered as above, the “card number/expiration period/CVC/card password” input from the customer is sent to the relevant card company, and the customer information and phone number are sent from the card company to the card information and phone number. Card information DB storage step (S1316) of finally storing card information in a DB through a step of setting a card nickname (S1315); When , it ends (S1317).

However, by receiving the customer's information and the customer's phone number from the credit card company, it determines whether the card information and the phone number match.

The protection scope of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is added once again that the protection scope of the present invention cannot be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

1: Virtual asset exchange
2: PG company
3: Shopping Mall
4: User
5: Delivery company

Claims (3)

First, a member registration step (1) in which the user (④) joins the virtual asset exchange (①);
After the membership registration step (1), the virtual asset exchange (①) issues a card to the user (④) a card issuance step (2);
After the card issuance step (2), the product purchase step (3) of purchasing the product in the online and offline shopping mall (③);
After the product purchase step (3), the product purchase payment request step (4) for requesting payment to the PG company (②);
After the item purchase payment request step (4), the PG company (②) inquires the virtual asset exchange (①) whether the user's card is available for payment, and if possible, the payment availability inquiry and payment request step (5);
After the payment availability inquiry and payment request step (5), the virtual asset exchange (①) goes through the virtual asset sale and sale step (6) to sell the virtual asset, and the virtual asset is sold and cash is paid. The asset sale completion step (7) proceeds, and after the virtual asset sale completion step (7), the PG company (②) pays the product purchase price to the shopping mall (③) (8);
After the product purchase payment step (8), if there is a delivery request step (9) from the user (④), the product delivery step (10) of requesting delivery to the delivery company (⑤) is performed,
The PG company (②) matches the virtual asset exchange and the user who owns the virtual asset and wants to use it so that the settlement is made by returning the user's virtual asset to cash in real time,
The settlement step according to the holding of virtual currency and cash in the child account in the virtual asset sale completion step (7),
When there is only virtual currency and there is no cash in the child account, the virtual currency is traded in cash equal to the maximum purchase price of virtual currency at the time of payment, and the balance of the child account is changed by this amount,
When there is virtual currency and there is cash in the child account, the virtual currency is first traded on the exchange and payment is made.
When there is no virtual currency and there is only cash in the child account, the transaction between virtual currency and cash does not proceed and the payment is made immediately so that the balance of the child account changes as much as the payment amount,
A payment settlement method by the PG system that enables immediate cash settlement when using virtual currency online or offline, characterized in that it is not possible to make a payment when there is no virtual currency and there is no cash in the sub-account.
delete The method of claim 1,
The virtual asset exchange (①) uses a representative account opened in an affiliated bank as a parent account, and identifies a plurality of virtual accounts as an identification number that connects financial transactions between the parent account and a customer real account opened in the affiliated bank. A payment settlement method by a PG system that allows immediate cash settlement when using virtual currency online or offline, characterized in that it requests to open a computer of an affiliated bank, receives a virtual account from the computer of the affiliated bank, registers and manages it.

Images